$650K · 3 bed Detached · St. George's, Guelph

Loading neighbourhood intel…

About this home

Lovingly cared for by one family and enjoyed by four generations, this charming brick bungalow is a truly proud home - beautifully maintained and filled with decades of cherished memories. The bright, functional main floor features three generously sized bedrooms, a spacious four-piece bathroom, and a sun-filled living room with a large picture window overlooking the front yard. The dining area enjoys backyard views, creating an open and welcoming flow perfect for everyday living and entertainin…

Property details

MLS#

X13110516

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

700-1100

Style

Bungalow-Raised

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Poured Concrete
Property features: Hospital, Library, Place Of Worship, School, Park, Public Transit

Garage: None
Garage spaces: 0
Parking: 2 total
Lot: 70.05 × 60.45
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: West
Cross street: Victoria Road at Delmar/ Victoria Road at Cassino Ave
Basement: Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, Primary Bedroom - Main Floor, Water Softener
Parking features: —

Rooms

Level	Room	Dimensions
Main	Living Room	3.45m × 4.56m
Main	Dining Room	2.51m × 2.92m
Main	Kitchen	2.78m × 3.42m
Main	Bathroom	1.97m × 2.81m
Main	Bedroom	3.16m × 2.81m
Main	Bedroom 2	2.91m × 3.21m
Main	Bedroom	3.24m × 3.51m
Basement	Utility Room	3.51m × 11.8m
Basement	Recreation	3.43m × 8.26m
Basement	Utility Room	3.76m × 3.46m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $650,000✓ $3,830 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,005/mo

incl. closing costs (yr 1)

Annual total

$60,056

year 1

Mortgage only

$2,466/mo

principal + interest

Beyond mortgage

$1,291/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$130,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$319/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$6,500/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$9,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $29,591/yr

Property taxes22% $13,305/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance11% $6,500/yr

Closing costs8% $5,100/yr

Mortgage is 49% of your true cost of ownership. The other 51% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$29,591	$2,466/mo
Government & taxes
Property tax	$3,830	$319/mo
Land transfer tax(closing)	$9,475	$790/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,500	$542/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$60,056	$5,005/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

Unlock Insider Deals

Sign in

92 Victoria Road

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

Request a Showing

Request a Showing

Annual costs